Compared with Wisconsin
8 of 17
compared fees are above the median.
5 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
33rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 17 compared; 5 below, 4 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Golden Rule Community Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Golden Rule Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (33rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $29K in Q2 2026, 93% above the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 17 compared published fees sit above the Wisconsin median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Wisconsin medians for fees published by banks and credit unions.
Deposited Item Return
Compared at $27, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 26% from Q3 2025 to Q2 2026, to $29K. Its share of revenue, 4.8%, is below the 7.2% median for credit unions with under $300M in assets.
$29K
Golden Rule Community Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Golden Rule Community Federal Credit Union · $43M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Golden Rule Community Federal Credit Union(this institution) | Ripon, WI | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 705 Federal Credit Union | Lafayette, LA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| B&V Federal Credit Union | Overland Park, KS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chiropractic Federal Credit Union | Farmington, MI | $42M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| City-County Employees Federal Credit Union | Clearwater, FL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Emporia | Emporia, KS | $42M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East River Federal Credit Union | Madison, SD | $42M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Epb Employees Federal Credit Union | Chattanooga, TN | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| H E A Federal Credit Union | Warner Robins, GA | $43M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Haynes Community Federal Credit Union | Kokomo, IN | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Health Care Professionals Federal Credit Union | Richmond, IN | $42M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hope Federal Credit Union | Bridgeport, WV | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Methuen Federal Credit Union | Methuen, MA | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mississippi National Guard Federal Credit Union | Jackson, MS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Kentucky Federal Credit Union | Highland Heights, KY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Omaha Douglas Federal Credit Union | Omaha, NE | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Parks Heritage Federal Credit Union | Glens Falls, NY | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Port City Federal Credit Union | Muskegon, MI | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River Region Federal Credit Union | Lutcher, LA | $42M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Solutions Federal Credit Union | Elmira, NY | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spencerport Federal Credit Union | Spencerport, NY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Streator Community Federal Credit Union | Streator, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis County Federal Credit Union | Austin, TX | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wea Federal Credit Union | Madison, WI | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Metro Schools Federal Credit Union | Hopkins, MN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| York Educational Federal Credit Union | York, PA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Golden Rule Community Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Golden Rule Community Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $29K | +$8K | +38.1% |
| Q1 2026 | $21K | −$4K | −16.0% |
| Q4 2025 | $25K | −$14K | −35.9% |
| Q3 2025 | $39K | +$24K | +160.0% |
| Q2 2025 | $15K | −$11K | −42.3% |
| Q1 2025 | $26K | −$3K | −10.3% |
| Q4 2024 | $29K | −$1K | −3.3% |
| Q3 2024 | $30K | +$3K | +11.1% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Golden Rule Community Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Golden Rule Community Federal Credit Union by share.
Amounts from Golden Rule Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed account before 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account (after 3 years) per year | $15Not compared: Annual charge, not monthly | per year | None |
| Account reconciling or research fee (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statement due to invalid address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds - ACH | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds (per item) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds share draft | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Loan overdraft transfer | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft account transfer | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit replacement card fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer fee (outgoing) in U.S | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer fee (outgoing) in Wisconsin | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's/Treasurer's check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order (per item) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment request (check or ACH) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check cashing member check by non-member | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign check collection item | $40Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Share draft copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay & Zelle | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return check fee | $25Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Returned check fee (a deposited item returned uncollected) | $29Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Late fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Document copy or special handling fee | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy (per page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement copy or account history (per page) (e-statements are free) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Golden Rule Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Ripon, WI | 1 |
Largest competitors nearby
Local market: Fond du Lac county, WI, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| National Exchange Bank and Trust | 45.8% |
| Horicon Bank | 8.5% |
| U.S. Bank National Association | 8.2% |
| BMO Bank National Association | 7% |
| Fox Valley Savings Bank | 6.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.